| | March 20214Contents2612CXO INSIGHTS19INSPIRING PRODUCTIVITY WITH AN INNOVATION FOCUSED CULTUREVirgil Miller, Executive Vice President and Chief Operating Officer, Aflac U.S. and President, Aflac GroupSCALING SAAS PLATFORMS: CONFIGURABILITY VS CUSTOMIZATIONMichael Cassin, VP of Product Management, AppDirectCO VER ST OR YPEOPLE WHO PUT PEOPLE FIRSTSEMCONMarkus Granlund, President and CEO
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